Search found 274 matches

by jjbiv
Sun Nov 29, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Ideas needed on work boots
Replies: 9
Views: 469

Re: Ideas needed on work boots

Put on booties (plastic bags also work) when you go inside?
by jjbiv
Sat Nov 28, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 36
Views: 4817

Re: Chase Sapphire Reserve retention offer - was worth the effort

My card renewed in September. I called today to check for retention statement credit offers and no surprise there was not one on my account. I don't charge a ton on the card but I do have a checking and savings account with minimal balances with Chase.
by jjbiv
Sat Nov 28, 2020 1:12 am
Forum: Personal Consumer Issues
Topic: Deodorants without aluminum?
Replies: 41
Views: 3023

Re: Deodorants without aluminum?

Speed Stick. Nothing fancy but effective both functionally and in terms of cost. Might cause some under arm skin irritation or peeling if you are sensitive to propylene glycol.
by jjbiv
Wed Nov 18, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Orthodontics Coverage
Replies: 15
Views: 745

Re: Orthodontics Coverage

Check and see if the insurers will pay the maximum benefit all at once or if they will pay it in payments across the course of treatment.
by jjbiv
Mon Nov 16, 2020 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 76
Views: 7391

Re: Dental Insurance

You could be creative and take a yearly trip to Arizona and cross the border to get dirt-cheap care. You could also make a winter getaway to Mazatlan, Cabo, and Puerto Vallarta, all which have plenty of qualified dentists catering to American tourists. If you need something like a crown, find one t...
by jjbiv
Sun Nov 15, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: FedEx Shipping Issue - Lost or Just Delayed?
Replies: 4
Views: 446

Re: FedEx Shipping Issue - Lost or Just Delayed?

If you can afford it, use FedEx Express in the future for high value or otherwise important items. You will be less likely to have any issues. The Express network is engineered for service whereas the Ground network is engineered for low cost and high volume.
by jjbiv
Sun Nov 15, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Walmart delivery within a couple of hours?
Replies: 6
Views: 851

Re: Walmart delivery within a couple of hours?

Walmart will randomly upgrade Walmart.com delivery orders to be fulfilled locally if the merchandise you ordered is in stock at a store which offers their grocery pickup service. In my area, they use DoorDash for delivery. The items arrive in their original packaging or in Walmart shopping bags and ...
by jjbiv
Sun Nov 01, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Mazda cx5?
Replies: 37
Views: 2605

Re: Has anyone bought a Mazda cx5?

Own a 2016.5 CX-5 Sport purchased new in October 2017 for $20k without the turbo and it has been a great car. Only oil changes and air filter replacements through the end of the warranty period. It drives and corners beautifully. Easily gets 30 MPG while delivering an outstanding driving experience....
by jjbiv
Sun Nov 01, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: New opportunity in Austin vs current employer in california
Replies: 36
Views: 2818

Re: New opportunity in Austin vs current employer in california

Have you looked for another job in California if you prefer the weather there? It seems likely you currently are being underpaid since you have been at the same company for so long. You may not have to move to Texas to fix that issue. Which job would you find more interesting and have more room for ...
by jjbiv
Thu Aug 20, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: BoA Premium Rewards status
Replies: 61
Views: 3525

Re: BoA Premium Rewards status

I'm not interested in another brokerage account. It has seemed to me that Premium Rewards is primarily a tool to produce an (at least) annual summons. The physical meting with an employee, is nominally to change some status bit on a savings or money market account, in order to maintain the absolute...
by jjbiv
Thu Aug 20, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: BoA Premium Rewards status
Replies: 61
Views: 3525

Re: BoA Premium Rewards status

Maybe I am misunderstanding your issue but I pay my BoA credit cards in full automatically every month from my non BoA checking account. Was super easy to set up and now I never have to think about it. No need to use the BoA checking account. You did not understand (correction) MISunderstand my iss...
by jjbiv
Wed Aug 19, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: BoA Premium Rewards status
Replies: 61
Views: 3525

Re: BoA Premium Rewards status

I have never actually bought or sold any securities in my Merrill Edge account and yes, I got the new account bonus. All I did was move some of my Vanguard ETFs in-kind from Vanguard to Merrill Edge. I simply hold them at ME. When the dividends come in, I move the funds to my BoA checking account a...
by jjbiv
Sat Aug 08, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Considering Genesis SUV - any Bogleheads own Genesis vehicles?
Replies: 27
Views: 1827

Re: Considering Genesis SUV - any Bogleheads own Genesis vehicles?

Mazda SUVs might be worth checking out. Very sporty and nice performance with luxury at the high trim levels. Also very reliable and low maintenance.
by jjbiv
Sun Jul 26, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate
Replies: 12
Views: 1497

Re: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate

Here, Quest is one of the most transparent health care companies i have dealt with. They provide the cost of each test up front and attempt to collect payment for the portion the patient is responsible for at the tine of service. Does your insurance not have a negotiated rate for this test? You shou...
by jjbiv
Mon May 04, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2471

Re: Steel-framed Residential Entry Doors

Hello, Does anyone have any experience in purchasing and/or installing residential steel-framed entry doors? I'm looking at upgrading our entry doors and found several systems from larger manufacturers such as Mastercraft and MMI (Jeld-Wen). However, other than some short Home Depot comments, I hav...
by jjbiv
Sun May 03, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 4114

Re: Airline Stocks

VLRS and SAVE have intrigued me, but not enough to invest...yet. Airlines are difficult businesses to run and notoriously bad investments. LUV might be the lone exception amongst the US airlines.
by jjbiv
Sat May 02, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Will Walmart replace a battery without a receipt?
Replies: 33
Views: 2045

Re: Will Walmart replace a battery without a receipt?

Call before you go. Many Walmart Auto Centers are closed where I live.
by jjbiv
Thu Feb 20, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Showing receipt at Walmart
Replies: 44
Views: 2026

Re: Showing receipt at Walmart

I do not use the self-checkout stands and I'm rarely stopped. If stopped, I simply hand them the receipt and keep walking. If I want a record of what I have purchased, I use Walmart Pay or scan my receipt in the Walmart app to keep an electronic copy of it. Has anyone who has been stopped and checke...
by jjbiv
Tue Sep 10, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 5021

Re: Buying 1/2 pint drinks in bulk for lunches?

Check Restaurant Depot (if you know a restaurant owner as access to the warehouse-style store is restricted) or with a local dairy. This is primarily a food service item but you should be able to purchase some.
by jjbiv
Thu Apr 25, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 62
Views: 7704

Re: Do I need title insurance?

The title search is going to be performed for the lender's title policy if you will have a mortgage. The owner's policy is to protect your interest (equity) in the property. It's a ripoff but that doesn't necessarily mean that you don't need it. If you do purchase a policy, pay attention to items wh...
by jjbiv
Thu Jan 17, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 11157

Re: Who's flying?

Cincinnati and San Antonio have been completely normal during the shutdown. Flying to Newark next week, which is always a mess, so we’ll see how it goes.
by jjbiv
Sun Dec 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 6239

Re: How much do you pay for internet only?

Have a legacy TWC deal which was $15/month for 2 mbps down/1 mbps up (actual speeds are ~20% higher). I own my own modem. After the Charter/Spectrum merger, the price has been going up $5/year. Speed went up by 50 percent after the first increase so that seemed reasonable. Starting in December it wi...
by jjbiv
Sat Dec 01, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 12147

Re: Why is Costco gas so much cheaper

I believe they sell gas at a slim profit margin to drive traffic to their stores and to provide members with a tangible reason to renew their membership, which is where Costco makes its real money.
by jjbiv
Sat Nov 17, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Why do rental car companies give you all keys?
Replies: 6
Views: 966

Re: Why do rental car companies give you all keys?

Keeping track of the other keys would be a significant pain for the rental car company as vehicles travel around their network of branches. If you lose the key, they charge you (they don’t eat the cost).
by jjbiv
Sun Nov 04, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9405

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

Then stop calling it retirement:) Just say your FI and nobody will care. Of course that doesn't have a good marketing hook and you might not feel as good about yourself:) It seems like you don't understand the word 'retirement' because it does not imply "never working again" in common usa...
by jjbiv
Sun Sep 23, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 3135

Re: Traveling overseas .. credit cards? cash exchange?

I am exploring best options for using cash, credit cards, and/or debit cards overseas. All the credit cards I have include a 3% fee on international transactions. Just as a reality check: if you spend $1,000 then the international transaction fees will come to $30, which is probably less than a sin...
by jjbiv
Wed Aug 29, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: journaling with Office 365 online hosted exchange
Replies: 4
Views: 524

Re: journaling with Office 365 online hosted exchange

Commvault works well for journaling Exchange and O365 messages but it does require some infrastructure components which may be more than you’re looking for if journaling email is your only use case.
by jjbiv
Wed Jan 31, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162378

Re: Bank of America/Merrill Edge - Preferred Rewards

No, there is no bonus on top of the BoA deals offers.
by jjbiv
Sat Jan 20, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162378

Re: Bank of America/Merrill Edge - Preferred Rewards

Yes, you can setup an automatic payment for the account balance. However, you need to sign up for ebills first and wait until you receive the first bill electronically. Then you can create the automatic payment to pay future statements. It’s a little clunky but works once it it is setup.
by jjbiv
Sat Jan 20, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: How to research specific optometrists?
Replies: 8
Views: 976

Re: How to research specific optometrists?

See if you have an optometry school near you. I’ve found the services to be very high quality and include a built-in quality control mechanism as the doctor checks the student’s work. The downside is it can take longer than a standard appointment but the exams have been very thorough.
by jjbiv
Sat Jan 20, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162378

Re: Bank of America/Merrill Edge - Preferred Rewards

The answer depends on which card you have. The cash rewards card applies the bonus when you redeem the points so you can earn points now and wait to redeem them until you have platinum honors status. The travel rewards card accrues points with each purchase so you might want to wait until you have s...
by jjbiv
Mon Jan 01, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2413

Re: Lost about $100 due to shipping issue?

Track the item with UPS and see if they picked it up from the Postal Service.
by jjbiv
Mon Dec 25, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1797

Re: Saga of the travels of a US Postal Service Shipment

What USPS service level was this package shipped with? I’m guessing it is not First Class or Priority Mail based on the tracking information provided. Nothing is impossible this time of the year but the lesser USPS services can be delayed more than normal due to the huge increase in volume. Priority...
by jjbiv
Thu Dec 07, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 2492

Re: Inexpensive way to ship heavy item...

For an item that heavy, your best bet for address-to-address service is an LTL (Less Than Truckload) carrier like FedEx Freight (different from the more familiar FedEx Express and Ground), UPS Freight, or others. Sometimes there are less expensive lesser known regional carriers too. Will the shipper...
by jjbiv
Tue Dec 05, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 16767

Re: Price of haircut?

$6 plus tip at a barber school
by jjbiv
Sun Nov 12, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1758

Re: Frontier Flight Fees

I’ve flown on Frontier (and other similar airlines around the world) with no issues. The key is to do your homework and know what to expect before you get to the airport. Know the airline’s baggage policy (which for Frontier is one free personal item about the size of a backpack as a carryon) and pu...
by jjbiv
Thu Aug 24, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 4855

Re: Fixing Slow Drains

Plain ol' bleach. Pour it down the drain and let it sit for a bit.
by jjbiv
Wed Aug 23, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Dual Citizenship (USA/Portugal); Obtaining a Portuguese Passport
Replies: 10
Views: 2980

Re: Dual Citizenship (USA/Portugal); Obtaining a Portuguese Passport

Note that you and your wife need to be able to prove good knowledge of Portuguese for this plan to work. Your wife will also need to prove she is linked to the Portuguese community, has visited the country, etc. The nearest Portuguese consulate would be a good place to start. Here are a few links fr...
by jjbiv
Sun Apr 23, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 2264

Re: Did you file your taxes with Credit Karma?

I used FreeTaxUSA instead for the federal return and am very satisfied.
by jjbiv
Mon Mar 27, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 62
Views: 7704

Re: Do I need title insurance?

It is a huge rip off especially in some states like Texas where rates and minimum service levels are regulated which vastly inflates the price we pay for this service. Iowa has a much more sensible state-run title insurance program which also happens to be much less expensive.
by jjbiv
Wed Feb 22, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 16
Views: 3676

Re: Amazon free shipment down to $35

Amazon has reduced the minimum purchase qualifying for a free shipment from $49 to $35. According to https://www.amazon.com/gp/help/customer/display.html/ref=mk_sss_hucart/ref=ord_cart_shr?nodeId=527692 : Order with Free Shipping by Amazon All orders of $35 or more of eligible items across any prod...
by jjbiv
Sun Feb 12, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Making prints from iPhone photos
Replies: 12
Views: 1603

Re: Making prints from iPhone photos

Walmart.com. Upload photos online and pick them up at a store or they will mail them to you.
by jjbiv
Sat Feb 04, 2017 5:11 pm
Forum: Non-US Investing
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 24
Views: 8632

Re: Banking ATM card with no international ATM fees and foreign exchange fees

SalemFiveDirect.com is the online division of a brick and mortar bank in Massachusetts. I have used them for years with no issues, no fees, and they reimburse ATM owner fees up to $15/month. Does anyone know of a similar account that comes with a MasterCard branded debit/ATM card? Or at least NOT a ...
by jjbiv
Tue Jan 24, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 3303

Re: Roto-molded cooler suggestions, like Yeti

WalMart's Ozark Trail store brand has some very nice and reasonably priced molded coolers as well as stainless steel vacuum insulated tumblers. They don't come with a sticker, though.
by jjbiv
Sun Jan 08, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Scottrade Bank Q's
Replies: 5
Views: 741

Re: Scottrade Bank Q's

They closed my Scottrade Bank account because I didn't keep enough in it and was just using it for ACH withdrawals. So your mileage may vary when using this approach. What is up with Scottrade not having native ACH pish/pull capabilities from brokerage account anyway? Even Trade King can do this. Sc...
by jjbiv
Sun Jan 08, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 11708

Re: No Vanguard Customer Support on weekends

I'm curious what is so urgent that it must be done on a weekend, since all markets are closed. Yeah really! And why have support open in the evenings after markets are closed???? Seriously though, isn't there anyone in your family who leaves for work before 8am and gets back after 10pm M-F except f...
by jjbiv
Thu Jan 05, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Domestic Overnight Letter
Replies: 13
Views: 2108

Re: Domestic Overnight Letter

I'm not all that familiar with the USPS rate structure, but a USPS overnight letter (Priority Mail Express, delivery before 10:30 AM) is listed @ $22.95. Large companies probably have a contract with UPS or FedEx Express & pay $5 or $6 for this same service depending on the origin/destination. ...
by jjbiv
Wed Jan 04, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Domestic Overnight Letter
Replies: 13
Views: 2108

Re: Domestic Overnight Letter

USPS Priority is fine. FedEx provides the linehaul airport-to-airport transportation for Priority Mail. USPS handles sorting and the last mile of the delivery. I'm surprised that FedEx is significantly more than UPS. Their rates are usually very competitive. FedEx has about 5 levels of overnight se...
by jjbiv
Wed Jan 04, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Domestic Overnight Letter
Replies: 13
Views: 2108

Re: Domestic Overnight Letter

USPS Priority is fine. FedEx provides the linehaul airport-to-airport transportation for Priority Mail. USPS handles sorting and the last mile of the delivery. I'm surprised that FedEx is significantly more than UPS. Their rates are usually very competitive.
by jjbiv
Mon Dec 19, 2016 11:22 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 57
Views: 18807

Re: [Interested in starting a] San Antonio Chapter?

I'm interested.